Find out if Nationwide Secured Loans are right for you in 2026.
- Up to 2 penalty-free payment holidays a year
- Loan terms from 1 to 25 years
- 6.99% fixed for life
- No broker fees
- No lender fees
- No early repayment charges
- Up to 90% loan-to-value
- The open market value applies to all homes, including flats and leaseholds.
Please complete the form for a free decision on the principal offer with no hard credit search.
Bad credit loan lenders, not brokers
Some people arrive here wanting a simple secured loan enquiry, not a long chain of calls. The examples below have been tidied so the page reads more like a finance note and less like a pile of search phrases. The figures have not been checked or rebuilt; they are kept as loan illustrations, with the repetitive wording stripped back.
For a 144-month illustration, Step One Finance Limited showed a total payable of £30,080.72, fees of £2,090, an overall cost for comparison of 8.3% APRC and a monthly payment of £194.38. Central Trust Ltd showed a total payable of £ 32,956.04, £2,585 in fees, 10.2% APRC, and £210.91 per month. Optimum Credit Ltd showed a total payable of £ 33,668.04, £2,685 in fees, 10.6% APRC, and £215.16 per month.
A longer 156-month illustration included Masthaven Bank Ltd with a total payable of £ 28,667.44, £2,695 in fees, 5.9% APRC, and £166.49 per month. Step One Finance Limited was shown as £32,546.68 total payable, while Together was shown as £32,725.04. Central Trust, Norton Home Loans and Optimum Credit were also listed in the original figures, with monthly payments ranging from £212.24 to £216.79.
Looking beyond the first illustration
Borrowers often compare this page with instant decision bad credit loan options when they want the process to feel direct. Others prefer the feel of bad credit loans with no guarantor online, especially where they want the enquiry to stay focused on their own circumstances.
If previous credit issues are part of the picture, the CCJ loans direct lender page may be worth reading alongside this one. For a homeowner who wants the borrowing to sit around existing commitments, bad credit homeowner debt consolidation loans gives a more debt-led route into the same kind of conversation.
Debt can be arranged in more than one way. A reader who wants to keep the borrowing attached to the mortgage side may look at a debt consolidation mortgage, while another may prefer the simpler explanation on the broader debt consolidation page. Where the first mortgage lender may advance more money, the further advance route is another natural comparison.
Existing secured-loan pages can also sit alongside this one without becoming a list. There is a separate page for secured loans for bad credit with an instant decision. The bank-specific pages for Halifax secured loans, HSBC secured loans and NatWest secured loans give readers somewhere to go when they already have a lender name in mind.
The same applies to the pages for Santander secured loans and a TSB homeowner loan. For people comparing wider borrowing connected to an existing home loan, the remortgage rates page and the UK debt consolidation mortgage page keep that route in the same family of content.
Other mortgage pages readers often check
Some visitors are not only comparing bad credit loan lenders. They may also be looking at later-life borrowing, equity release or interest-only mortgage pages. The original copy had a Santander section, so the cleaner version keeps a link to the Santander over 70 mortgage page without burying it inside a keyword-heavy heading.
There are also related routes for a post office retirement interest-only mortgage, an equity loan, and Halifax Interest-Only Mortgage for Over 70s. These links are kept in ordinary sentences rather than stacked together as a search-engine block.
Halifax also appears in the original page through Halifax Lifetime Mortgages and Halifax interest-only mortgage rates. For readers who want a lender-by-lender look, there are separate pages for RBS Remortgage Rates and Barclays Retirement Interest-Only Mortgages.
Santander was mentioned several times in the original body. It now appears where it reads naturally: a visitor looking at older-borrower options may open the Santander mortgages for over 60s page, while someone comparing release-style borrowing may check the Santander lifetime page above.
Leeds Building Society and NatWest links are kept for the same reason. The Leeds Building Society’s Equity Release page gives another later-life angle, and NatWest Interest-Only Mortgage sits neatly beside the Natwest Affordability Calculator Mortgage page.
Direct lender wording, made plainer
The phrase “loan lenders not brokers” is rough, but it is the phrase many readers use. In plain English, they usually want to see lender-led examples, fees, APRC figures, monthly payments and a route to enquire without a long detour. A background definition of a credit broker can help explain the difference for anyone comparing the wording.
The original page also had a standalone link to Shawbrook Secured Loans. It is kept here in context, rather than left on its own. The same section can sit beside smaller-loan and fast-enquiry pages without repeating “bad credit loans” in every line.
A few more illustrations were worth keeping because they give shape to the comparison. One 168-month Masthaven example showed a total payable of £ 30,598.92, fees of £2,805, a 5.7% APRC, and £165.44 per month. A Together example for the same term showed a total payable of £ 35,262.78, £2,937.90 in fees, 8.1% APRC, and £192.41 per month.
For 180 months, Masthaven appeared at £32,584.40 total payable and £164.83 per month. Together appeared at £37,900.60 total payable and £193.46 per month. Central Trust appeared at a total payable of £ 41,910.20 and £216.64 per month. Longer terms in the original source showed similar movements across fees, APRC, and monthly payments.
Questions people ask before using the form
Can I enquire about a secured loan with bad credit?
Yes. The form above is there for people who want a quick decision on the principal offer. Homeowners and tenants can use the enquiry route, and the details you give help match the request to the right lending path.
What does no broker wording usually mean?
It usually means the reader wants to compare lender-led options without being passed around several firms. The page keeps that point simple while still allowing visitors to view different examples and related loan pages.
Can the money be used for more than one purpose?
Many readers consider secured borrowing for home improvements, household costs, car repairs, debt consolidation, or a further advance-style arrangement. The best route depends on the property, the required amount, and the selected repayment term.
Why are loan illustrations shown?
Illustrations make it easier to compare the monthly payment, the term and the total payable. They are included here to give readers a quick sense of how different examples might look before they complete the form.
Nationwide Building Society details
Nationwide Building Society is registered in England under number 355B. Its registered office is Nationwide House, Pipers Way, Swindon SN38 1NW. Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078.
Nationwide’s main website is nationwide.co.uk. Existing personal loan enquiries can be made on 03457 30 20 11, and mortgage enquiries for existing members can be made on 0345 609 25 31. From outside the UK, Nationwide lists +44 1793 65 67 89 for existing loan enquiries, feedback or complaints.